And that's why I asked if you were trying to be a certain way rather than accusing you of being a certain way. People have all different perspectives for different reasons.
Your first sentence here makes a big assumption. Again, different perspectives. First of all, not everyone is spending thousands on a vacation. Some of us are just visiting for a few days. Secondly, not everyone who is not taking the plan is on a strict budget. I'm happy to spend $250+ on a nice meal for two at Monsieur Paul (if it's a special occasion) but yes, I might want a $35 meal at another restaurant in the same trip because that dish might sound better than the only thing that is $50 or more (the filet - how many times can you eat filet in one trip?) And then, most of the restaurants where we would splurge take 2 credits, anyway - so I really don't see a point. It's more about freedom than anything else, certainly not budgets. It's all going on my Disney Visa card, and I'll pay it off whenever I pay it off.
Personally, I don't think it's more important to be organized or to know every cent I'm spending before I go. I can understand some people do emphasize those things, and that's not wrong, that's just a different perspective. I have found Tables in Wonderland to be a much better value for my party than the DDP.
One reason is you can save a little money by buying the gift cards at discount via BJ's, Target, etc. The other is we keep reading about people on the last day of their trip having leftover snack credits and spending them on less than wonderful snacks that aren't such a great deal just so as not to waste those snack credits. Better to have money leftover on a gift card, and either save it for the next trip or spend it on something other than food. (Or if it's a non-Disney card, spend it when you get home.)